Roth Conversions in Non-Traditional Scenarios & Investing in Muni Bonds

Ready For Retirement

James Conole, CFP®

Investment Planning, Bonds, Education, Stocks, Cash, Business, Dividend Investing, Retirement Planning, Retirement, Investing, Tax Planning

5 • 706 Ratings

🗓️ 5 October 2021

⏱️ 26 minutes

🔗️ Recording | iTunes | RSS

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Summary

Our topic on this episode of the Ready for Retirement podcast is about Roth Conversions in non-traditional scenarios & investing in municipal bonds. Questions answered: When do Roth Conversions make the most sense to implement? What are some examples of non-traditional scenarios where a Roth Conversion makes sense? Should I be investing in municipal bonds for tax-free income? What is the best approach for my individual situation? Are you ready to start focusing on the things that tr...

Transcript

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0:00.0	Discover the tips and strategies that will help you achieve your retirement goals.
0:09.3	I'm your host, James Canole, and this is the podcast dedicated to helping you retire well.
0:14.6	It all starts right here on Ready for Retirement. for retirement.
0:29.2	Hi, everyone, and welcome back to another episode of Ready for Retirement.
0:30.6	I'm your host, James Cannell.
0:34.2	And we have a listener question that we're going to go through today that I'm looking forward to.
0:35.3	And if you are listening and have a question as well,
0:38.0	always keep in mind, you can submit any question that I'll answer in a future episode. You just go
0:42.2	to readyforretirement.co. That's readyforretirement.co. And there's a tab there called submit your
0:47.4	question. So this question today is from Moitza. Moitza says, thank you for your podcast.
0:53.1	It's one of the best ones on
0:54.3	retirement topics, right to the point in each episode and extremely educational. Thank you,
0:58.6	Moitza. I appreciate that. She then goes on to say, I have two questions regarding our
1:02.5	somewhat different situation. One has to do with Roth conversions and early retirement.
1:07.1	My husband is seven and a half years older and will likely be close to his RMD when I will be retiring.
1:12.3	So we won't have too many years when our income will be low.
1:15.2	We are in the highest tax bracket and I make most of the money.
1:18.5	Are there any specific strategies for such a situation?
1:21.5	Should we just assume our taxes will remain high?
1:24.4	Second question, has it do with municipal bonds in a taxable account.
1:28.0	How can they best be used to keep taxes low? And is there a percentage of a portfolio,
1:32.4	or the taxable part, or some other number of how much makes sense to have, again, assuming
	...

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